How to Fully Commit to a Debt Free Lifestyle
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My wife and I started baby step 2 February of 2020 starting with well about $130,000 in debt with debt consolidation, car loans, a credit card and student loans. Today we are almost below 100k with both debt consolidations paid off, the credit card paid off and cut and half of one of the cars almost paid off. We’ll be free of our car loans by the end of the year leaving us with 75k of student loans left which will take about 2 years to complete. We are on our journey and making a ton of progress!
You can do it!
I am so very proud of you all! I have started my debt free journey in April of 2020 I did not even have as much dead as you have mine is around thirty-eight thousand and I'm down to about 17,000 and I am so excited to where I come from and I will be there for you! Again I am so very elated and proud of you all for all that you're doing and thank God that we will be there free!
As a single mom having a wealth coach has been very helpful for me because I know that I have to share my budget with them every month.
How and where did you find one? I have a discipline problem myself.
Her story is very similar to mine. This needs to be talked about more, especially with the youth! Love this so much!
I agree it needs to be talked about more! Thanks for listening!
Same here! Household budgeting needs to be part of school curriculum!!
Baby step #2 it’s very hard. I’m so grateful I finished. I feel excited to continue this journey.
@@snatchinitback4635 Thank you 🙏
Rachel I love that you have people of all backgrounds and all the stages of the baby steps on your show. Its really motivating to hear what is keeping them motivated and what has worked and hasn't
Lovely Christian church family helping each other out x Candice is great!
Saving and Investing money early creates compound growth, it's a beautiful thing. But it takes focus and discipline. You need to be focused enough to commit to a plan and a process.
Saving is hard enough, investing and reaping rewards successfully, seems to be even harder.
Lol...that's why I invest with Robert Anderson. Top notch trader, with years of experience. His strategies are just terrific. I don't know how he does it, but he's by far the best I've worked with.
People talk about investing and reaping rewards like it’s a ride to the park and back. Nobody actually tells you how difficult it can be to find a trustworthy and consistent investment.
Yeah you’re right. Something that doesn’t eventually come crashing down.
Mutual funds, stocks, bonds, notes, are all worthy equity securities. Including the digital assets.
Actually these days, especially the digital assets.
Her journey is so much like mine! I’ve taken FPU 2 times. I have feel off so many times. I finally after a decade also and finally on track! It’s amazing what a budget can do! I’ve finally discovered my true budget that works...now I can budget out for months with very little difference each month. These real life stories need to be talked about more for sure!
What a great story! I love people being willing to help others achieve their debt free journey.
Agreed! Thank you and I think it motivates us to do the same for others!
It’s funny, many millionaires are millionaires because they got tired of their parents struggling with money.
Oh my goodness- I feel so In Tuned right now! This too is my story! We grew up very poor and were told NO a lot. When we all grew up- we stopped saying NO we’d say YES… to everything! And have gotten so bad into debt. We’ve fallen off the wagon a couple times but we’re picking ourselves back up. It’s funny how when we explain a budget to people - we can help THEM and that motivates us to do better with it finances.
This is great! I am a single mom currently in BS2 and loved hearing this!
Thanks for all the advice on saving money I am so addicted now and watch money saving videos all the time now instead of watching dumb reality shows on tv🙏🏽🙏🏽🙏🏽👍🏽
I hate commenting on women's looks but Rachel you are absolutely GLOWING in this episode & the energy you are exuding is fantastic.
I love Racheals modest style 😍
Perfect and I’m excited
Great story!
This lady is so pleasant. She seems like she needs to be hire by Ramsey the family.
I think you're on to something ;) ha ha! It would be an honor!
Great vlog.
thank you!
@@candacecollins532
You are so welcome Candace 😊👍
I can't wait to start my virtual internship . Higher pay and don't have to worry about a car maintenance depleting my savings and checks.
Imagine having a robust public transit system which allowed people to have options other than driving and being subject to unexpected car repair bills. Her story would be much different.
Before everyone says why that isn't possible, just know that I have been car free for nearly 4 years in a city that definitely gets MUCH colder than wherever you live. It's possible for me but for a lot of people they stay stuck financially because they use all their cash fixing cars.
She has gotten head together at a young age. I think she is going make it!
thank you!! I sure hope so! ha ha
I have lost count of how many times I have started over.
She has beautiful skin.
thank you!
You're saying hey I'm going to I have a general question I am really wanting to go back to school I've only taken maybe about 3 to 6 credit hours of college I am wanting to get a teachers education degree but I still owe Debt and I don't want it to be where I will have a lot of overhead cuz I'm going to have to pay for it myself so what is your suggestion?
Baby step #1 wwwwwhhhoooo
First!!